Balance Transfer Credit Cards
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Balance Transfer Credit Cards

Balance transfer credit cards are designed to allow consumers to transfer a higher interest card balance onto a card with a lower interest rate, which can help save money in finance charges.

When you transfer a balance to a card with a low introductory APR of 0%, the APR will typically stay at this 0% interest level for a specified period of time (assuming you make all your card payments on time), potentially saving you hundreds or even thousands of dollars in interest charges when you compare cards side by side.

At CreditCardAssist.com, we have provided a variety of tips, advice and free information to help guide you in your search to find the top balance transfer card offers available.

We have listed a variety of the very best balance transfer cards available below.

Editor’s Pick
Discover it® Card
Discover it Card Apply Now
  • The new Discover it card is out to change the way people think about credit cards.
  • Fair...No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won't increase your APR for paying late.*
  • Generous…5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up. And 1% cash back on all other purchases.*
  • Plus a Cashback ConciergeSM who guides a free, personalized online tour to help you get the most rewards for how you use your card.
  • Flexible…Choose your own due date and pay up to midnight ET online or by phone.
  • Human…talk to a real person any time with 100% U.S.-based service.
  • Safe…Because you’ll never pay for unauthorized purchases with our $0 Fraud Liability Guarantee.
  • 0% Intro APR* on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. *Click apply for Terms & Conditions.
Introductory Period Info
Reg. Rate
Annual Fee
Balance
Transfers
Credit Needed
0% intro APR on purchases and balance transfers for 14 months.
10.99% - 22.99% (V)*
$0
Yes*
Excellent*

Editor's Review: The Discover it® Card offers cardholders an attractive 0% APR on purchases and balance transfers for a full 14 months, a very attractive feature that establishes it as one of the best balance transfer offers currently available in the marketplace ...more info

Discover it® Card
Discover it Card Apply Now
  • The new Discover it card is out to change the way people think about credit cards.
  • Fair...No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won't increase your APR for paying late.*
  • Generous…5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up. And 1% cash back on all other purchases.*
  • Plus a Cashback ConciergeSM who guides a free, personalized online tour to help you get the most rewards for how you use your card.
  • Flexible…Choose your own due date and pay up to midnight ET online or by phone.
  • Human…talk to a real person any time with 100% U.S.-based service.
  • 0% Intro APR* on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • 0% Intro APR* on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. *Click apply for Terms & Conditions.
Introductory Period Info
Reg. Rate
Annual Fee
Balance
Transfers
Credit Needed
0% Intro APR for 18 months on balance transfers. 0% Intro APR for 6 months on purchases.
10.99% - 22.99% (V)*
$0
Yes*
Excellent*

Editor's Review: This Discover it® Card is a cash rewards card that comes with one of the most attractive balance transfer features available for NEW card customers only: an 18-month 0% Introductory APR on balance transfers. ...more info

Citi® Diamond Preferred® Card
Citi Diamond Preferred Apply Now
  • Get 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • Citi® Price Rewind searches for a lower price. Learn how you can get lower price after you purchase an item.
  • Let our 24/7 concierge service help book your hotel rooms, flights and more.
  • Enjoy special access to presale tickets, preferred seating, VIP packages, and unique entertainment experiences through Citi Private Pass®.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
  • No annual fee*
Introductory Period Info
Reg. Rate
Annual Fee
Balance
Transfers
Credit Needed
0% Intro APR for 18 Months on Balance Transfers* and 18 Months on Purchases*
11.99%-21.99%* (Variable)
$0*
Yes*
Excellent*

Editor's Review: The Citi® Diamond Preferred® Card has no annual fee, and it has a reasonable interest rate for purchases and balance transfers. In addition, the card has a 0% introductory rate on balance transfers and purchases for 18 months ...more info

Citi Simplicity® Card
Citi Simplicity Apply Now
  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - EVER
  • No penalty rate - EVER
  • No annual fee - EVER
  • Save time when you call with fast, personal help, 24 hours a day.
Introductory Period Info
Reg. Rate
Annual Fee
Balance
Transfers
Credit Needed
0% Intro APR for 18 Months on Balance Transfers* and 18 Months on Purchases*
12.99% - 21.99%* (Variable)
$0*
Yes*
Excellent*

Editor's Review: The Citi Simplicity® Card is a brand new card from Citi that gives new cardholders a simplified line of credit with fast person-to-person customer service that says goodbye to penalties and fees for missing a payment due date ...more info

Citi® Dividend Platinum Select® Visa® Card - $100 Cash Back
Citi Dividend Platinum Select Visa - $100 Cash Back Apply Now
  • $100 cash back after $500 in purchases within the first 3 months of account opening
  • 0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*
  • Earn 5% cash back from Citi at Home Depot, Home furnishing stores and home and garden stores between 4/1/13 and 6/30/13, with enrollment
  • Enroll at no additional cost each quarter for new categories that earn additional cash back
  • Full 1% cash back on all other purchases and eligible cash advances.
  • No Annual Fee*
Introductory Period Info
Reg. Rate
Annual Fee
Balance
Transfers
Credit Needed
0% Intro APR for 12 months on Balance Transfers and Purchases*
12.99%-22.99%* (Variable)
$0*
Yes*
Excellent*

Editor's Review: The Citi® Dividend Platinum Select® Visa® Card - $100 Cash Back is designed primarily as a cash back credit card for people with good credit. The card also features a 0% APR on both purchases and balance transfers for the first 12 months*. ...more info

 

Featured Blog Content

Balance Transfers Can Benefit Consumers … But Only If They're DisciplinedMany consumers are bombarded with offers for credit card balance transfers and many of the offers seem like a good deal. However, credit card companies do make money from the service, so consumers should be wary of jumping right in. Balance transfers allow consumers to move their high interest balance to a new card with
...read more



If you carry large monthly card balances, this type of card offer is a great way to save money right away and long term especially if you don't switch cards often and are looking for one main card to use for the long term.

When you search and compare cards you should start by asking the following questions:

  1. When will the intro rate on the offer expire?
  2. Does an annual fee apply for the card?
  3. Will the introductory rate apply to the initial transfer only? Or will it apply to all transfers made over the introductory period?
  4. Will the introductory rate apply to purchases as well?
  5. What is the interest rate (APR) after the introductory rate ends?
  6. Are there any applicable transaction fees?

Some issuers will charge expensive transaction fees on balance transfers. Be sure to investigate any applicable fees upfront. You don't want to get surprised with a 3% or 4% transaction fee after the fact. Keep in mind that balance transfer offers are most suitable for individuals with good to excellent credit. Not everyone will qualify for the low "teaser" rate being offered on the card. Be sure to know what introductory rate will apply before you make the initial transfer. So, be sure to thoroughly read the terms and conditions of each specific card offer that you are considering.

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Looking for more articles and free information on how to transfer a card balance? We've provided more articles, tips, advice and resources below:
  • Basics of Balance Transfers - When transferring a card balance, the outstanding debt (balance) owed on the cardholder's old card is transferred to a new card with a lower interest rate, and typically occurs when a customer switches from his existing card to a new credit offer.
  • Maximizing Your Balance Transfer Cards - Balance transfer cards happen to be one of the most appealing aspects of the credit card business for consumers. They allow many people to take advantage of much lower interest rates and less finance charges on outstanding card balances but
  • Quick Step to Debt Consolidation - For anyone in a great deal of credit card-related debt, transferring a card balance can be a quick way to consolidate debts while avoiding heavy interest charges on a number of different cards. However, it's important to remember that these cards carry a built-in time limit...